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LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES (Tables)

3 Months Ended

Mar. 31, 2023

Receivables [Abstract]

Schedule of Net Loans

Total net loans receivable at March 31, 2023 and December 31, 2022 are summarized as follows:

			March 31, 2023						Percentage of Total						December 31, 2022						Percentage of Total
Farmland			$	34,080					0.8		%				$	32,168					0.8		%
Owner-occupied, nonfarm nonresidential properties			478,465						11.1		%				468,493						11.0		%
Agricultural production and other loans to farmers			1,057						—		%				1,198						—		%
Commercial and Industrial			753,437						17.5		%				791,911						18.5		%
Obligations (other than securities and leases) of states and political subdivisions			138,897						3.2		%				145,345						3.4		%
Other loans			22,340						0.5		%				24,710						0.6		%
Other construction loans and all land development and other land loans			435,241						10.1		%				446,685						10.5		%
Multifamily (5 or more) residential properties			265,034						6.2		%				257,696						6.0		%
Non-owner occupied, nonfarm nonresidential properties			841,486						19.6		%				795,315						18.6		%
1-4 Family Construction			54,804						1.3		%				51,171						1.2		%
Home equity lines of credit			124,308						2.9		%				124,892						2.9		%
Residential Mortgages secured by first liens			949,691						22.1		%				942,531						22.0		%
Residential Mortgages secured by junior liens			79,125						1.8		%				74,638						1.7		%
Other revolving credit plans			38,241						0.9		%				36,372						0.9		%
Automobile			24,706						0.6		%				21,806						0.5		%
Other consumer			48,009						1.1		%				49,144						1.1		%
Credit cards			12,122						0.3		%				10,825						0.3		%
Overdrafts			254						—		%				278						—		%
Total loans receivable			$	4,301,297					100.0		%				$	4,275,178					100.0		%
Less: Allowance for credit losses			(43,981)												(43,436)
Loans receivable, net			$	4,257,316											$	4,231,742
Net deferred loan origination fees included in the above table			$	4,198											$	4,463

Schedule of Allowance for Loan Losses

Transactions in the allowance for credit losses for the three months ended March 31, 2023 were as follows:

			Beginning Allowance						(Charge-offs)						Recoveries						Provision (Benefit) for Credit Losses on Loans Receivable(1)						Ending Allowance
Farmland			$	159					$	—					$	—					$	(30)					$	129
Owner-occupied, nonfarm nonresidential properties			2,905						(26)						8						(341)						2,546
Agricultural production and other loans to farmers			6						—						—						(3)						3
Commercial and Industrial			9,766						(46)						145						(922)						8,943
Obligations (other than securities and leases) of states and political subdivisions			1,863						—						—						(15)						1,848
Other loans			456						—						—						138						594
Other construction loans and all land development and other land loans			3,253						—						—						141						3,394
Multifamily (5 or more) residential properties			2,353						(65)						—						247						2,535
Non-owner occupied, nonfarm nonresidential properties			7,653						—						—						606						8,259
1-4 Family Construction			327						—						—						71						398
Home equity lines of credit			1,173						—						1						(16)						1,158
Residential Mortgages secured by first liens			8,484						(7)						—						374						8,851
Residential Mortgages secured by junior liens			1,035						—						—						240						1,275
Other revolving credit plans			722						(22)						5						125						830
Automobile			271						(5)						—						64						330
Other consumer			2,665						(540)						43						393						2,561
Credit cards			67						(62)						1						67						73
Overdrafts			278						(160)						44						92						254
Total			$	43,436					$	(933)					$	247					$	1,231					$	43,981

(1) Excludes provision for credit losses related to unfunded commitments. Note 9, "Off-Balance Sheet Commitments and Contingencies," in the condensed consolidated financial statements provides more detail concerning the provision for credit losses related to unfunded commitments of the Corporation.

Transactions in the allowance for credit losses for the three months ended March 31, 2022 were as follows:

			Beginning Allowance						(Charge-offs)						Recoveries						Provision (Benefit) for Credit Losses on Loans Receivable(1)						Ending Allowance
Farmland			$	151					$	—					$	—					$	35					$	186
Owner-occupied, nonfarm nonresidential properties			3,339						(21)						7						270						3,595
Agricultural production and other loans to farmers			9						—						—						1						10
Commercial and Industrial			8,837						(71)						78						246						9,090
Obligations (other than securities and leases) of states and political subdivisions			1,649						—						—						179						1,828
Other loans			149						—						—						(6)						143
Other construction loans and all land development and other land loans			2,198						—						—						(148)						2,050
Multifamily (5 or more) residential properties			2,289						—						—						(53)						2,236
Non-owner occupied, nonfarm nonresidential properties			6,481						—						—						(70)						6,411
1-4 Family Construction			158						—						—						52						210
Home equity lines of credit			1,169						—						8						4						1,181
Residential Mortgages secured by first liens			6,943						(47)						12						(3)						6,905
Residential Mortgages secured by junior liens			546						—						—						6						552
Other revolving credit plans			528						(26)						6						39						547
Automobile			263						(7)						—						(2)						254
Other consumer			2,546						(401)						22						402						2,569
Credit cards			92						(14)						4						21						103
Overdrafts			241						(119)						41						84						247
Total loans			$	37,588					$	(706)					$	178					$	1,057					$	38,117

(1) Excludes provision for credit losses related to unfunded commitments. Note 9, "Off-Balance Sheet Commitments and Contingencies," in the condensed consolidated financial statements provides more detail concerning the provision for credit losses related to unfunded commitments of the Corporation.

Schedule of Nonaccrual Loans and Loans Receivable Past Due over 90 Days Still Accruing Interest by Class of Loans

The following tables presents the amortized cost basis of loans receivable on nonaccrual status and loans receivable past due over 89 days still accruing as of March 31, 2023 and December 31, 2022, respectively:

			March 31, 2023
			Nonaccrual						Nonaccrual With No Allowance for Credit Loss						Loans Receivable Past Due over 89 Days Still Accruing
Farmland			$	1,000					$	1,000					$	992
Owner-occupied, nonfarm nonresidential properties			2,215						2,153						—
Commercial and Industrial			5,152						2,059						—
Other construction loans and all land development and other land loans			545						545						—
Multifamily (5 or more) residential properties			972						343						—
Non-owner occupied, nonfarm nonresidential properties			5,481						2,633						—
Home equity lines of credit			525						525						—
Residential Mortgages secured by first liens			4,327						3,891						—
Residential Mortgages secured by junior liens			97						97						—
Other revolving credit plans			41						41						—
Automobile			15						15						—
Other consumer			619						619						—
Credit cards			—						—						83
Total			$	20,989					$	13,921					$	1,075

			December 31, 2022
			Nonaccrual						Nonaccrual With No Allowance for Credit Loss						Loans Receivable Past Due over 89 Days Still Accruing
Farmland			$	1,011					$	1,011					$	994
Owner-occupied, nonfarm nonresidential properties			2,055						1,987						—
Commercial and Industrial			5,485						2,366						71
Other construction loans and all land development and other land loans			567						567						—
Multifamily (5 or more) residential properties			1,066						423						—
Non-owner occupied, nonfarm nonresidential properties			5,081						2,665						—
Home equity lines of credit			475						475						—
Residential Mortgages secured by first liens			4,329						3,882						48
Residential Mortgages secured by junior liens			91						91						—
Other revolving credit plans			26						26						—
Automobile			19						19						—
Other consumer			781						781						—
Credit cards			—						—						8
Total			$	20,986					$	14,293					$	1,121

Schedule of Aging of Recorded Investment in Past Due Loans

The following table presents the amortized cost basis of loans receivable that are individually evaluated and collateral-dependent by class of loans as of March 31, 2023:

			Real Estate Collateral						Non-Real Estate Collateral
Farmland			$	829					—
Owner-occupied, nonfarm nonresidential properties			1,053						4
Commercial and Industrial			—						1,826
Other construction loans and all land development and other land loans			480						—
Multifamily (5 or more) residential properties			972						—
Non-owner occupied, nonfarm nonresidential properties			5,185						—
Home equity lines of credit			331						—
Residential Mortgages secured by first liens			1,133						—
Total			$	9,983					$	1,830

The following table presents the amortized cost basis of loans receivable that are individually evaluated and collateral-dependent by class of loans as of December 31, 2022:

			Real Estate Collateral						Non-Real Estate Collateral
Farmland			$	829					$	—
Owner-occupied, nonfarm nonresidential properties			1,296						4
Commercial and Industrial			—						1,904
Other construction loans and all land development and other land loans			501						—
Multifamily (5 or more) residential properties			1,066						—
Non-owner occupied, nonfarm nonresidential properties			5,874						—
Home equity lines of credit			335						—
Residential Mortgages secured by first liens			1,150						—
Total			$	11,051					$	1,908

The following table presents the aging of the amortized cost basis in past-due loans receivable as of March 31, 2023 by class of loans:

			30 - 59 Days Past Due						60 - 89 Days Past Due						Greater Than 89 Days Past Due						Total Past Due						Loans Receivable Not Past Due						Total
Farmland			$	185					$	—					$	1,124					$	1,309					$	32,771					$	34,080
Owner-occupied, nonfarm nonresidential properties			1,508						24						287						1,819						476,646						478,465
Agricultural production and other loans to farmers			—						—						—						—						1,057						1,057
Commercial and Industrial			—						213						230						443						752,994						753,437
Obligations (other than securities and leases) of states and political subdivisions			—						—						—						—						138,897						138,897
Other loans			—						—						—						—						22,340						22,340
Other construction loans and all land development and other land loans			171						1,538						—						1,709						433,532						435,241
Multifamily (5 or more) residential properties			—						—						25						25						265,009						265,034
Non-owner occupied, nonfarm nonresidential properties			222						—						685						907						840,579						841,486
1-4 Family Construction			—						—						—						—						54,804						54,804
Home equity lines of credit			217						—						89						306						124,002						124,308
Residential Mortgages secured by first liens			1,501						777						1,500						3,778						945,913						949,691
Residential Mortgages secured by junior liens			—						—						51						51						79,074						79,125
Other revolving credit plans			38						26						19						83						38,158						38,241
Automobile			57						—						—						57						24,649						24,706
Other consumer			310						189						384						883						47,126						48,009
Credit cards			22						20						83						125						11,997						12,122
Overdrafts			—						—						—						—						254						254
Total			$	4,231					$	2,787					$	4,477					$	11,495					$	4,289,802					$	4,301,297

The following table presents the aging of the amortized cost basis in past-due loans receivable as of December 31, 2022 by class of loans:

			30 - 59 Days Past Due						60 - 89 Days Past Due						Greater Than 89 Days Past Due						Total Past Due						Loans Receivable Not Past Due						Total
Farmland			$	—					$	—					$	1,136					$	1,136					$	31,032					$	32,168
Owner-occupied, nonfarm nonresidential properties			185						27						734						946						467,547						468,493
Agricultural production and other loans to farmers			—						—						—						—						1,198						1,198
Commercial and Industrial			246						93						611						950						790,961						791,911
Obligations (other than securities and leases) of states and political subdivisions			—						—						—						—						145,345						145,345
Other loans			—						—						—						—						24,710						24,710
Other construction loans and all land development and other land loans			1,522						—						501						2,023						444,662						446,685
Multifamily (5 or more) residential properties			706						—						90						796						256,900						257,696
Non-owner occupied, nonfarm nonresidential properties			113						60						879						1,052						794,263						795,315
1-4 Family Construction			—						—						—						—						51,171						51,171
Home equity lines of credit			203						10						49						262						124,630						124,892
Residential Mortgages secured by first liens			1,302						538						1,775						3,615						938,916						942,531
Residential Mortgages secured by junior liens			5						—						51						56						74,582						74,638
Other revolving credit plans			65						27						—						92						36,280						36,372
Automobile			36						—						—						36						21,770						21,806
Other consumer			361						188						473						1,022						48,122						49,144
Credit cards			196						18						8						222						10,603						10,825
Overdrafts			—						—						—						—						278						278
Total			$	4,940					$	961					$	6,307					$	12,208					$	4,262,970					$	4,275,178

Schedule of Restructured in Troubled Debt

The following table presents the amortized cost basis of loans at March 31, 2023 that were both experiencing financial difficulty and modified during the three months ended March 31, 2023, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below:

			Principal Forgiveness						Payment Delay						Term Extension						Interest Rate Reduction						Combination Payment Delay and Term Extension						Total Class of Financing Receivable
Owner-occupied, nonfarm nonresidential properties			$	—					$	98					$	—					$	—					$	—					—		%
Commercial and Industrial			—						2,573						612						371						122						0.5
Other construction loans and all land development and other land loans			—						1,538						—						—						—						0.4
Non-owner occupied, nonfarm nonresidential properties			—						—						1,562						—						—						0.2
Total			$	—					$	4,209					$	2,174					$	371					$	122					0.2		%

The following table presents the performance of such loans that have been modified during the three months ended March 31, 2023:

			30 - 59 Days Past Due						60 - 89 Days Past Due						Greater Than 89 Days Past Due						Total Past Due
Owner-occupied, nonfarm nonresidential properties			$	98					$	—					$	—					$	98
Other construction loans and all land development and other land loans			—						1,538						—						1,538
Total			$	98					$	1,538					$	—					$	1,636

The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the three months ended March 31, 2023:

			Principal Forgiveness												Term Extension (in years)						Interest Rate Reduction
Commercial and Industrial			$	—											0.97						0.5		%
Non-owner occupied, nonfarm nonresidential properties			—												0.50						—
Total			$	—											0.65						0.5		%

There was one loan modified as a TDR during the three months ended March 31, 2022:

			Three Months Ended March 31, 2022
			Number of Loans						Pre-Modification Outstanding Recorded Investment						Post-Modification Outstanding Recorded Investment						Type of Modification
Non-owner occupied, nonfarm nonresidential properties			1						$	1,784					$	1,784					Modify Rate and Extend Amortization
Total loans			1						$	1,784					$	1,784

Schedule of Credit Risk Profile by Risk Rating

The following tables represent the Corporation's commercial credit risk profile by risk rating. Loans receivable not rated as special mention, substandard, or doubtful are considered to be pass rated loans.

			March 31, 2023
									Non-Pass Rated
			Pass						Special Mention						Substandard						Doubtful						Total Non-Pass						Total
Farmland			$	31,639					$	1,441					$	1,000					$	—					$	2,441					$	34,080
Owner-occupied, nonfarm nonresidential properties			443,727						27,718						7,020						—						34,738						478,465
Agricultural production and other loans to farmers			1,057						—						—						—						—						1,057
Commercial and Industrial			714,047						18,506						19,598						1,286						39,390						753,437
Obligations (other than securities and leases) of states and political subdivisions			138,897						—						—						—						—						138,897
Other loans			22,340						—						—						—						—						22,340
Other construction loans and all land development and other land loans			430,118						3,040						2,083						—						5,123						435,241
Multifamily (5 or more) residential properties			263,557						—						1,477						—						1,477						265,034
Non-owner occupied, nonfarm nonresidential properties			819,238						1,942						20,306						—						22,248						841,486
Total			$	2,864,620					$	52,647					$	51,484					$	1,286					$	105,417					$	2,970,037

			December 31, 2022
									Non-Pass Rated
			Pass						Special Mention						Substandard						Doubtful						Total Non-Pass						Total
Farmland			$	29,706					$	1,450					$	1,012					$	—					$	2,462					$	32,168
Owner-occupied, nonfarm nonresidential properties			433,467						27,796						7,230						—						35,026						468,493
Agricultural production and other loans to farmers			1,198						—						—						—						—						1,198
Commercial and Industrial			765,821						14,740						10,037						1,313						26,090						791,911
Obligations (other than securities and leases) of states and political subdivisions			145,345						—						—						—						—						145,345
Other loans			24,710						—						—						—						—						24,710
Other construction loans and all land development and other land loans			443,300						1,296						2,089						—						3,385						446,685
Multifamily (5 or more) residential properties			256,120						510						1,066						—						1,576						257,696
Non-owner occupied, nonfarm nonresidential properties			772,450						2,791						20,074						—						22,865						795,315
Total			$	2,872,117					$	48,583					$	41,508					$	1,313					$	91,404					$	2,963,521

Schedule of Amortized Cost of Loans, by Year of Origination

The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by risk grade within each portfolio segment as of March 31, 2023. Current period originations may include modifications.

			Term Loans Amortized Cost Basis by Origination Year
			2023						2022						2021						2020						2019						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Farmland
Risk rating
Pass			$	2,521					$	12,052					$	7,506					$	1,531					$	864					$	6,719					$	446					$	—					$	31,639
Special mention			—						—						—						—						—						1,441						—						—						1,441
Substandard			—						—						347						—						—						653						—						—						1,000
Total			$	2,521					$	12,052					$	7,853					$	1,531					$	864					$	8,813					$	446					$	—					$	34,080
Current period gross write offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Owner-occupied, nonfarm nonresidential properties
Risk rating
Pass			$	25,539					$	115,564					$	112,643					$	47,101					$	53,801					$	81,445					$	7,634					$	—					$	443,727
Special mention			—						3,826						—						15,165						863						4,785						3,079						—						27,718
Substandard			—						—						—						340						1,803						4,877						—						—						7,020
Total			$	25,539					$	119,390					$	112,643					$	62,606					$	56,467					$	91,107					$	10,713					$	—					$	478,465
Current period gross write offs			$	—					$	—					$	—					$	—					$	—					$	26					$	—					$	—					$	26
Agricultural production and other loans to farmers
Risk rating
Pass			$	—					$	47					$	134					$	77					$	37					$	176					$	586					$	—					$	1,057
Special mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Total			$	—					$	47					$	134					$	77					$	37					$	176					$	586					$	—					$	1,057
Current period gross write offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial and Industrial
Risk rating
Pass			$	32,586					$	161,387					$	195,788					$	47,017					$	14,068					$	21,422					$	241,779					$	—					$	714,047
Special mention			—						418						425						6,666						248						33						10,716						—						18,506
Substandard			—						7,257						4,591						662						367						1,318						5,403						—						19,598
Doubtful(1)			—						—						1,286						—						—						—						—						—						1,286
Total			$	32,586					$	169,062					$	202,090					$	54,345					$	14,683					$	22,773					$	257,898					$	—					$	753,437
Current period gross write offs			$	—					$	—					$	—					$	—					$	—					$	—					$	46					$	—					$	46
Obligations (other than securities and leases) of states and political subdivisions
Risk rating
Pass			$	4,367					$	18,004					$	32,739					$	12,923					$	4,522					$	61,993					$	4,349					$	—					$	138,897
Special mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Total			$	4,367					$	18,004					$	32,739					$	12,923					$	4,522					$	61,993					$	4,349					$	—					$	138,897
Current period gross write offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Other loans
Risk rating
Pass			$	53					$	12,358					$	5,342					$	2,165					$	349					$	—					$	2,073					$	—					$	22,340
Special mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Total			$	53					$	12,358					$	5,342					$	2,165					$	349					$	—					$	2,073					$	—					$	22,340
Current period gross write offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

(1) Consists of one loan relationship originated in 2015 and modified in 2021. The modification met the requirements to disclose the loan relationship as a new loan during 2021.

			Term Loans Amortized Cost Basis by Origination Year
			2023						2022						2021						2020						2019						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Other construction loans and all land development and other land loans
Risk rating
Pass			$	28,853					$	243,719					$	84,462					$	53,929					$	6,738					$	1,620					$	10,797					$	—					$	430,118
Special mention			—						3,040						—						—						—						—						—						—						3,040
Substandard			—						—						480						—						1,538						—						65						—						2,083
Total			$	28,853					$	246,759					$	84,942					$	53,929					$	8,276					$	1,620					$	10,862					$	—					$	435,241
Current period gross write offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Multifamily (5 or more) residential properties
Risk rating
Pass			$	9,491					$	116,809					$	47,242					$	46,246					$	11,454					$	30,054					$	2,261					$	—					$	263,557
Special mention			—						—						—						—						—						—						—						—						—
Substandard			—						629						—						—						—						848						—						—						1,477
Total			$	9,491					$	117,438					$	47,242					$	46,246					$	11,454					$	30,902					$	2,261					$	—					$	265,034
Current period gross write offs			$	—					$	—					$	—					$	—					$	—					$	65					$	—					$	—					$	65
Non-owner occupied, nonfarm nonresidential properties
Risk rating
Pass			$	82,060					$	328,110					$	150,844					$	50,011					$	57,170					$	145,602					$	5,441					$	—					$	819,238
Special mention			—						355						—						—						159						986						442						—						1,942
Substandard			—						2,182						1,281						—						4,034						10,755						2,054						—						20,306
Total			$	82,060					$	330,647					$	152,125					$	50,011					$	61,363					$	157,343					$	7,937					$	—					$	841,486
Current period gross write offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by risk grade within each portfolio segment as of December 31, 2022. Current period originations may include modifications.

			Term Loans Amortized Cost Basis by Origination Year
			2022						2021						2020						2019						2018						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Farmland
Risk rating
Pass			$	12,321					$	7,635					$	1,536					$	871					$	3,277					$	3,523					$	543					$	—					$	29,706
Special mention			—						—						—						—						—						1,450						—						—						1,450
Substandard			—						347						—						—						142						523						—						—						1,012
Total			$	12,321					$	7,982					$	1,536					$	871					$	3,419					$	5,496					$	543					$	—					$	32,168
Owner-occupied, nonfarm nonresidential properties
Risk rating
Pass			$	116,701					$	113,575					$	50,226					$	55,040					$	25,327					$	60,810					$	11,788					$	—					$	433,467
Special mention			3,402						—						15,613						872						4,097						814						2,998						—						27,796
Substandard			—						—						355						1,864						862						4,149						—						—						7,230
Total			$	120,103					$	113,575					$	66,194					$	57,776					$	30,286					$	65,773					$	14,786					$	—					$	468,493
Agricultural production and other loans to farmers
Risk rating
Pass			$	105					$	140					$	80					$	42					$	179					$	—					$	652					$	—					$	1,198
Special mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Total			$	105					$	140					$	80					$	42					$	179					$	—					$	652					$	—					$	1,198
Commercial and Industrial
Risk rating
Pass			$	195,955					$	213,433					$	51,695					$	16,730					$	9,051					$	19,116					$	259,841					$	—					$	765,821
Special mention			241						—						6,691						273						81						45						7,409						—						14,740
Substandard			299						1,809						689						379						324						913						5,624						—						10,037
Doubtful(1)			—						1,313						—						—						—						—						—						—						1,313
Total			$	196,495					$	216,555					$	59,075					$	17,382					$	9,456					$	20,074					$	272,874					$	—					$	791,911
Obligations (other than securities and leases) of states and political subdivisions
Risk rating
Pass			$	20,840					$	37,527					$	13,868					$	4,584					$	13,518					$	50,050					$	4,958					$	—					$	145,345
Special mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Total			$	20,840					$	37,527					$	13,868					$	4,584					$	13,518					$	50,050					$	4,958					$	—					$	145,345
Other loans
Risk rating
Pass			$	14,248					$	5,358					$	2,278					$	363					$	—					$	—					$	2,463					$	—					$	24,710
Special mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Total			$	14,248					$	5,358					$	2,278					$	363					$	—					$	—					$	2,463					$	—					$	24,710

(1) Consists of one loan relationship originated in 2015 and modified in 2021. The modification met the requirements to disclose the loan relationship as a new loan during 2021.

			Term Loans Amortized Cost Basis by Origination Year
			2022						2021						2020						2019						2018						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Other construction loans and all land development and other land loans
Risk rating
Pass			$	272,118					$	86,894					$	56,782					$	6,918					$	8,644					$	916					$	11,028					$	—					$	443,300
Special mention			1,296						—						—						—						—						—						—						—						1,296
Substandard			—						2,023						—						—						—						—						66						—						2,089
Total			$	273,414					$	88,917					$	56,782					$	6,918					$	8,644					$	916					$	11,094					$	—					$	446,685
Multifamily (5 or more) residential properties
Risk rating
Pass			$	114,454					$	49,794					$	46,784					$	11,854					$	6,764					$	23,841					$	2,629					$	—					$	256,120
Special mention			—						—						—						—						—						510						—						—						510
Substandard			643						—						—						—						333						90						—						—						1,066
Total			$	115,097					$	49,794					$	46,784					$	11,854					$	7,097					$	24,441					$	2,629					$	—					$	257,696
Non-owner occupied, nonfarm nonresidential properties
Risk rating
Pass			$	339,151					$	153,613					$	51,709					$	66,592					$	45,211					$	107,988					$	8,186					$	—					$	772,450
Special mention			—						488						—						273						498						1,068						464						—						2,791
Substandard			2,227						800						—						4,090						1,314						9,587						2,056						—						20,074
Total			$	341,378					$	154,901					$	51,709					$	70,955					$	47,023					$	118,643					$	10,706					$	—					$	795,315

The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by payment activity within each portfolio segment as of March 31, 2023. Current period originations may include modifications.

			Term Loans Amortized Cost Basis by Origination Year
			2023						2022						2021						2020						2019						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
1-4 Family Construction
Payment performance
Performing			$	3,242					$	33,078					$	14,202					$	2,623					$	736					$	61					$	862					$	—					$	54,804
Nonperforming			—						—						—						—						—						—						—						—						—
Total			$	3,242					$	33,078					$	14,202					$	2,623					$	736					$	61					$	862					$	—					$	54,804
Current period gross write offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Home equity lines of credit
Payment performance
Performing			$	4,235					$	34,955					$	13,286					$	11,614					$	8,112					$	38,650					$	8,487					$	4,444					$	123,783
Nonperforming			—						—						—						—						—						16						—						509						525
Total			$	4,235					$	34,955					$	13,286					$	11,614					$	8,112					$	38,666					$	8,487					$	4,953					$	124,308
Current period gross write offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Residential mortgages secured by first lien
Payment performance
Performing			$	30,741					$	227,287					$	218,134					$	156,198					$	89,310					$	220,960					$	2,734					$	—					$	945,364
Nonperforming			70						—						840						195						568						2,465						189						—						4,327
Total			$	30,811					$	227,287					$	218,974					$	156,393					$	89,878					$	223,425					$	2,923					$	—					$	949,691
Current period gross write offs			$	—					$	—					$	—					$	—					$	—					$	7					$	—					$	—					$	7
Residential mortgages secured by junior liens
Payment performance
Performing			$	6,614					$	31,176					$	16,534					$	8,055					$	4,753					$	10,715					$	1,181					$	—					$	79,028
Nonperforming			—						—						—						—						—						54						43						—						97
Total			$	6,614					$	31,176					$	16,534					$	8,055					$	4,753					$	10,769					$	1,224					$	—					$	79,125
Current period gross write offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Other revolving credit plans
Payment performance
Performing			$	2,437					$	10,519					$	2,683					$	7,908					$	2,441					$	12,212					$	—					$	—					$	38,200
Nonperforming			—						—						15						—						3						23						—						—						41
Total			$	2,437					$	10,519					$	2,698					$	7,908					$	2,444					$	12,235					$	—					$	—					$	38,241
Current period gross write offs			$	—					$	—					$	5					$	—					$	—					$	17					$	—					$	—					$	22
Automobile
Payment performance
Performing			$	5,411					$	9,363					$	4,026					$	2,502					$	1,983					$	1,406					$	—					$	—					$	24,691
Nonperforming			—						—						—						9						5						1						—						—						15
Total			$	5,411					$	9,363					$	4,026					$	2,511					$	1,988					$	1,407					$	—					$	—					$	24,706
Current period gross write offs			$	—					$	5					$	—					$	—					$	—					$	—					$	—					$	—					$	5
Other consumer
Payment performance
Performing			$	6,186					$	22,750					$	10,041					$	4,565					$	1,961					$	1,887					$	—					$	—					$	47,390
Nonperforming			—						403						112						41						14						49						—						—						619
Total			$	6,186					$	23,153					$	10,153					$	4,606					$	1,975					$	1,936					$	—					$	—					$	48,009
Current period gross write offs			$	—					$	279					$	199					$	47					$	12					$	3					$	—					$	—					$	540

The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by payment activity within each portfolio segment as of December 31, 2022. Current period originations may include modifications.

			Term Loans Amortized Cost Basis by Origination Year
			2022						2021						2020						2019						2018						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
1-4 Family Construction
Payment performance
Performing			$	30,451					$	16,360					$	2,577					$	752					$	62					$	—					$	969					$	—					$	51,171
Nonperforming			—						—						—						—						—						—						—						—						—
Total			$	30,451					$	16,360					$	2,577					$	752					$	62					$	—					$	969					$	—					$	51,171
Home equity lines of credit
Payment performance
Performing			$	34,738					$	13,654					$	12,903					$	8,587					$	7,924					$	38,127					$	8,484					$	—					$	124,417
Nonperforming			—						—						—						10						—						465						—						—						475
Total			$	34,738					$	13,654					$	12,903					$	8,597					$	7,924					$	38,592					$	8,484					$	—					$	124,892
Residential mortgages secured by first lien
Payment performance
Performing			$	229,842					$	222,522					$	159,651					$	91,238					$	49,587					$	181,939					$	3,375					$	—					$	938,154
Nonperforming			—						771						273						581						416						2,150						186						—						4,377
Total			$	229,842					$	223,293					$	159,924					$	91,819					$	50,003					$	184,089					$	3,561					$	—					$	942,531
Residential mortgages secured by junior liens
Payment performance
Performing			$	31,837					$	17,163					$	8,326					$	4,956					$	3,073					$	8,395					$	797					$	—					$	74,547
Nonperforming			—						—						—						—						—						47						44						—						91
Total			$	31,837					$	17,163					$	8,326					$	4,956					$	3,073					$	8,442					$	841					$	—					$	74,638
Other revolving credit plans
Payment performance
Performing			$	10,778					$	2,820					$	7,911					$	2,264					$	2,265					$	10,308					$	—					$	—					$	36,346
Nonperforming			—						—						—						4						14						8						—						—						26
Total			$	10,778					$	2,820					$	7,911					$	2,268					$	2,279					$	10,316					$	—					$	—					$	36,372
Automobile
Payment performance
Performing			$	10,146					$	4,637					$	2,945					$	2,349					$	1,117					$	593					$	—					$	—					$	21,787
Nonperforming			—						—						10						7						2						—						—						—						19
Total			$	10,146					$	4,637					$	2,955					$	2,356					$	1,119					$	593					$	—					$	—					$	21,806
Other consumer
Payment performance
Performing			$	26,699					$	12,120					$	5,333					$	2,176					$	776					$	1,259					$	—					$	—					$	48,363
Nonperforming			403						220						85						22						6						45						—						—						781
Total			$	27,102					$	12,340					$	5,418					$	2,198					$	782					$	1,304					$	—					$	—					$	49,144

			March 31, 2023						December 31, 2022
Credit card
Payment performance
Performing			$	12,039					$	10,817
Nonperforming			83						8
Total			$	12,122					$	10,825
Current period gross write offs			$	62

Schedule of Recorded Investment in Residential, Consumer and Credit Card Loans Based on Payment Activity

The Corporation considers the performance of the loan portfolio and its impact on the allowance for credit losses. For 1-4 family construction, home equity lines of credit, residential mortgages secured by first liens, residential mortgages secured by junior liens, automobile, credit cards, other revolving credit plans and other consumer segments, the Corporation evaluates credit quality based on the performance status of the loan, which was previously presented, and by payment activity. Nonperforming loans include loans receivable on nonaccrual status and loans receivable past due over 89 days and still accruing interest.

			March 31, 2023																		December 31, 2022
			Performing						Nonperforming						Total						Performing						Nonperforming						Total
1-4 Family Construction			$	54,804					$	—					$	54,804					$	51,171					$	—					$	51,171
Home equity lines of credit			123,783						525						124,308						124,417						475						124,892
Residential Mortgages secured by first liens			945,364						4,327						949,691						938,154						4,377						942,531
Residential Mortgages secured by junior liens			79,028						97						79,125						74,547						91						74,638
Other revolving credit plans			38,200						41						38,241						36,346						26						36,372
Automobile			24,691						15						24,706						21,787						19						21,806
Other consumer			47,390						619						48,009						48,363						781						49,144
Total			$	1,313,260					$	5,624					$	1,318,884					$	1,294,785					$	5,769					$	1,300,554

Schedule of Holiday's Loan Portfolio Included in Consumer and Residential Loans

Holiday’s loan portfolio, included in other consumer loans above, is summarized as follows at March 31, 2023 and December 31, 2022: 

			March 31, 2023						December 31, 2022
Gross other consumer			$	29,908					$	31,821
Less: other consumer unearned discounts			(5,459)						(5,972)
Total other consumer loans, net of unearned discounts			$	24,449					$	25,849

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